 you know, decumulation team, but also having a tax team that understands how to properly navigate the taxes through that decumulation phase, as well as the legacy distribution phase. So in this particular case, this client had about 1 million remaining in his wife's IRAs that were their former 401ks. What we simply did is we used the least amount of capital. So they had excess savings and some very underperforming money market positions in their brokerage account.